Synchrony Financial (SYF) Financial Statements

Synchrony Financial

SYF · NYSE

	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Interest Expense	$18.47B	$18.01B	$3.71B	$1.52B	$1.03B	$1.67B	$2.29B	$1.87B
Income Before Taxes	$4.62B	$4.55B	$2.90B	$3.96B	$5.50B	$1.80B	$4.89B	$3.64B
Provision for Income Taxes	$1.07B	$1.05B	$666.00M	$946.00M	$1.28B	$412.00M	$1.14B	$854.00M
Net Income	$3.55B	$3.50B	$2.24B	$3.02B	$4.22B	$1.39B	$3.75B	$2.79B
Basic EPS	$9.38	$8.64	$5.21	$6.19	$7.40	$2.28	$5.59	$3.76
Diluted EPS	$9.28	$8.55	$5.19	$6.15	$7.34	$2.27	$5.56	$3.74
Basic Shares Outstanding	369.90M	396.50M	421.20M	480.40M	564.60M	589.00M	670.20M	742.30M
Diluted Shares Outstanding	373.90M	400.60M	423.50M	483.40M	569.30M	590.80M	673.50M	746.90M

Analyst Estimates

Period	Consensus EPS	Low	High	Estimates	Revisions
Dec 2026	$9.35	$9.25	$9.40	8	↑6 ↓0
Dec 2027	$10.35	$9.91	$10.71	9	↑1 ↓6
Dec 2028	$11.85	$11.57	$12.46	4	↑1 ↓0
Dec 2029	$12.72	$12.72	$12.72	1	↑0 ↓0

Forward estimates are the sell-side consensus reported by Nasdaq, not a metir forecast.

Symbol: SYF
Type: Stock
Sector: Finance
Industry: Finance: Consumer Services
Country: North America
Exchange: NYSE

Synchrony (NYSE: SYF ) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®.

Key Issues

Bullish view

Net income increased to $3.6 billion in FY2025 from $3.5 billion in FY2024, indicating that the business remained profitable and expanded earnings year over year.

Bearish view

The evidence does not provide revenue, credit-loss, receivables or margin detail, so the durability and quality of that earnings improvement cannot be established.

Analyst Consensus

See all

Buy

25 analysts

$80

Current

—

Low

$88

Average

—

High

Average target implies +10.55% versus the current price.

Earnings History

BeatMissNo estimate

Peers

Coinbase Global, Inc.COIN · NASDAQ-GS$152.30